We provide money and debt advice services, including casework, by phone to people who have money and debt difficulties. In this way we can support clients nationwide. The service is always free to clients and is independent of the organisations who fund us. Clients don’t have to travel anywhere and we phone out to clients who can speak to an adviser in complete confidence.
We specialise in working with clients who find it difficult to access mainstream advice services, and seek to deliver our services in a way that is accessible to anyone needing them, whether this is by offering home visits, taking time to establish working relationships with clients who are reluctant to engage, finding out the best way to communicate with an individual, and/or working with other support services, and interpreters. We have expertise and experience in working with people including those experiencing mental illness, dementia, fluctuating mental capacity, with learning disabilities, sensory loss, substance misuse, refugees and asylum seekers and people with physical disabilities.
Many of the people we help are in financial distress with debts that have built up over time to become unmanageable. Our advisers provide expert help which deals with the immediate problems, as well as providing the longer term support that people need to make their money and debt manageable in the future. We may work with a client for a few weeks or months depending on the circumstances.
Our advice services help clients to:
Where clients want to resolve their problems themselves we provide the information, advice and support to empower them to do this. This includes drafting a workable budget, a copy of the Standard Financial Statement, and letters to enable them to approach creditors with offers of repayment.
Some clients may need more in depth support. We will contact creditors on their behalf and arrange for reduced payments to be made at an affordable level.
We provide all clients with debts with information and guidance about such things as County Court Judgments (CCJs), court procedures, bailiffs, repossession, Debt Management Plans, Bankruptcy and Debt Relief Orders and Individual Voluntary Arrangements (IVA)
We hold the AQS accreditation for the quality of our advice and casework. We will check that a person is receiving the correct benefits for their individual circumstances, advise and assist with new claims, and provide a casework service and representation at appeal tribunals.
If people need practical help organising their money, we are also able to help with this. We are funded by Brighton & Hove City Council to provide money support to people who have been referred to us by Social Services and who are eligible for free care. People who need support with their money who have been assessed as being fully self funding (or people who live outside Brighton & Hove) can choose to pay us directly for this service. The aim of this service is to enable people to remain independent in their own homes, and we are experienced in supporting people in accordance with the Mental Capacity Act, to make their own decisions wherever possible.
This is a case study which demonstrates how effective partnership working can be to help people achieve and maintain independence
Here are some examples of how we help people with money handling:
We have contracts with Brighton & Hove City Council to work with the following Groups of People:
Our support is flexible and person centred – this means that people are encouraged and supported to do as much for themselves as they can.
We offer budgeting, debt and money management workshops and training sessions to groups of individuals and workers supporting clients with money.